Extra Care Standard Exclusion

Extra Care - Floater Policy(upto 3 Children)

Any Medical Expenses incurred for Any illness diagnosed or diagnosable within 30
days of the commencement of the Policy Period except those incurred as a result
of accidental Bodily Injury.

Exclusions valid for the first 4 years

Pre-existing diseases covered after 4 years

In case of change in plan from a lower deductible plan
to higher deductible plan this Exclusion shall apply afresh only to the extent of
the amount by which the limit of indemnity has been increased (i.e. enhanced sum
insured) if the policy is a renewal of Extra Care Policy without break in cover.

Any Medical Expenses incurred during the first four consecutive annual periods during
which You/your family member(s) named in the schedule have the benefit of an Extra
Care policy with Bajaj Allainz in connection with joint replacement surgery
unless such joint replacement surgery is necessitated by accidental Bodily Injury.
In case of change in plan from a lower deductible plan to higher deductible
planthis Exclusion shall apply afresh only to the
extent of the amount by which the limit of indemnity has been increased (i.e. enhanced
sum insured) if the policy is a renewal of Extra Care Policy without break in cover.

Permanent Exclusions

War, invasion, acts of foreign enemies, hostilities (whether war be declared or
not), civil war, commotion, unrest,rebellion, revolution, insurrection, military
or usurped power or confiscation or nationalisation or requisition of or damage
by or under the order of any government or public local authority.

Circumcision unless required for the treatment of illness or accidental bodily injury,
laser treatment for correction of eye sight due to refractive error, cosmetic or
aesthetic treatments of any description, treatment or surgery for change of life/gender.

Any form of plastic surgery (unless necessary for the treatment of cancer ,burns
or accidental Bodily Injury ).

External medical equipment of any kind used at home as post hospitalisation care
including cost of instrument used in the treatment of Sleep Apnoea Syndrome (C.P.A.P),
Continuous Peritoneal Ambulatory Dialysis (C.P.A.D) and Oxygen concentrator for
Bronchial Asthmatic condition.

Dental treatment or surgery of any kind unless requiring hospitalisation and as
a result of accidental Bodily Injury to natural teeth.

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